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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $78,590 | $81,331-3.4% | $155,534-49.5% | $80,935-2.9% |
| Participation rate | 72.2% | 66.3%+6.0pp | 78.2%-6.0pp | 67.7%+4.6pp |
| Annual return | 16.33% | 33.37%-17.0pp | 64.92%-48.6pp | 35.66%-19.3pp |
| Employer contribution / active EE | $2,357 | $3,105-24.1% | $4,675-49.6% | $2,757-14.5% |
| Participant deferral / active EE | $4,734 | $3,454+37.1% | $5,630-15.9% | $4,299+10.1% |
| Admin fee / account holder | $1,457 | $7,999-81.8% | $15,900-90.8% | $6,924-79.0% |